Terms & Conditions

SMS intends that this web site will be viewed by U.S. persons for informational purposes only. This should not be viewed as a solicitation or offer of services in any jurisdiction in which SMS is not qualified to do business. SMS may only transact business in the states that it is registered, excluded or exempted from investment adviser registration requirements. Any follow-up, or individualized responses to individuals by SMS or its representatives that involve either the effecting or attempting to effect the rendering of personalized investment advice for compensation, will not be made unless SMS is in compliance with registration requirements or an applicable exemption or exclusion exists. The content appearing on this web site should not be construed as a recommendation or advice on securities and users should consult with their advisors before making any investment decisions. Advice can only be rendered after all of the following conditions are met: 1) Execution of an Investment Advisory agreement between us, 2) Delivery of our Form ADV Part II to you, and 3) Payment of the investment advisory retainer fee by you to SMS.

The content appearing on this web site is the property of SMS or its licensors, and is protected by intellectual property rights. The research, articles and commentary contained on this website are accurate as of the date published and SMS disclaims responsibility for updating information. SMS also disclaims responsibility for third-party content, including information accessed through hyperlinks.

Users are reminded that the Internet is not a secure network and online access may be interrupted.

These Terms and Conditions may be amended by SMS at its discretion.

Privacy Policy

This notice is being provided to you in accordance with the Securities and Exchange Commission’s rule regarding the privacy of consumer financial information (“Regulation S-P”).  Please take the time to read and understand the privacy policies and procedures that we have implemented to safeguard your nonpublic personal information.[1]


INFORMATION WE COLLECT

Successful Money Strategies must collect certain personally identifiable financial information about its customers to ensure that it offers the highest quality financial services and products.  The personally identifiable financial information which we gather during the normal course of doing business with you may include:


  1. information we receive from you on applications or other forms;
  1. information about your transactions with us, our affiliates, or others;
  1. information collected through an Internet “cookie” (an information collecting device from a web server); and
  1. information we receive from a consumer reporting agency.

INFORMATION WE DISCLOSE

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. In accordance with Section 248.13 of Regulation S-P, we may disclose all of the information we collect, as described above, to certain nonaffiliated third parties such as attorneys, accountants, auditors and persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all nonaffiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information.

CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide financial products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.


[1] Nonpublic personal information means personally identifiable financial information and any list, description or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.